Percent.com offers accredited investors a way to invest in private credit. You can pick to invest in specific deals or you can put your funds in a Percent blended note for a 1% AUM fee in addition to the 10% interest income Percent takes right before you get paid interest. Assuming you use an individual account to invest, you pay tax on gross interest income, and your capital losses won't easily offset your Percent interest income.Private credit is an alternative asset that is significantly riskier than US treasuries, CDs, or MMFs. Percent investors can lose money, and instead should have just bought US treasuries or maybe municipal bonds (or municipal bond ETFs that fit their criteria) if their marginal tax rate is 24+%. Do you own research though.If an investor wants to invest in Percent deals, pick deals with companies on the platform with a long enough track record and that are profitable. Only invest in asset-based deals as your chance of getting all your money back plus your expected interest income is higher. With total fraud or some other scenarios you can still lose all the money you invested. Investors can lose money, so don't invest funds you can't afford to lose.
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Percent is the platform powering the future of private markets. Through our marketplace, we connect borrowers, underwriters, and investors to efficiently raise debt capital, source high quality deal flow, and discover investment opportunities. Our technology modernizes the private credit markets by removing process inefficiencies, delivering data and analysis, and providing transparency for every participant.See more
